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ANZ Business Overdraft

Cash on call

Make sure that extra money is there when you need it with our popular Business Overdraft. It offers you a revolving line of credit that you can access straight away, plus flexible repayment options to suit. So, whatever your short term finance needs, it’s easy to take control of your cash flow.

Benefits at a glance

  • Secured or unsecured
  • No minimum or maximum term
  • No set repayments.

Suitable for

Think about our Business Overdraft if you want to cover seasonal and working capital requirements for amounts above $2,000 as the minimum^.

How to apply

For businesses with turnover $5M to $40M:

Business Direct Centre 1800 801 485 - 8am-8pm (AEST) weekdays

For corporates & large corporates with turnover more than $40M:

Email Corporate Banking

1300 883 798

+61 3 9601 1260

Product information

Loan amount

Minimum $2,000.


Can be unsecured or secured by various types of security, including residential*, commercial or rural property or business assets.


No minimum or maximum term.

Interest type

Variable interest rate.

Repayment terms

No fixed or minimum repayment arrangements.

Easy access

ANZ Internet Banking**, ANZ Internet Banking for Business**, ANZ Phone Banking**, ATMs^^, ANZ branches, or cheque book (optional).

Terms, conditions, fees and charges

Fees and charges are payable. View ANZ Business Banking terms, conditions, fees and charges.

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^ANZ Business Overdraft facility cannot be linked to an ANZ Business Advantage account; only the ANZ Business Advantage Overdraft facility can be linked to an ANZ Business Advantage account. Please refer to the ANZ Business Advantage page for more details.

*Residential property does not include property development or speculative residential construction. All applications for credit are subject to ANZ's normal credit approval criteria. Terms and conditions available on application. Fees and charges apply. ** Temporary service interruptions may occur. Technical requirements apply. ^^Non-ANZ ATM fees apply.  

Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you.

ANZ recommends you read the Terms and Conditions and the Financial Services Guide (PDF, 76kB) before acquiring the product.